{"id":2846,"date":"2022-08-16T21:29:10","date_gmt":"2022-08-17T02:29:10","guid":{"rendered":"https:\/\/going-places.thegeneral.com\/car-repair-insurance\/"},"modified":"2025-08-27T10:04:46","modified_gmt":"2025-08-27T15:04:46","slug":"car-repair-insurance","status":"publish","type":"post","link":"https:\/\/www.thegeneral.com\/going-places\/blog\/car-and-driving-basics\/car-repair-insurance\/","title":{"rendered":"What Is Car Repair Insurance?"},"content":{"rendered":"\n<p><span class=\"TextRun SCXW187071624 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW187071624 BCX0\">If you\u2019ve purchased a vehicle before, you\u2019re probably familiar with extended warranties. Until your warranty expires, any repairs you need on your car should be covered. However, once your warranty is over, you\u2019re on the hook for any repairs your car needs going forward. Repair costs can add up quickly, so if you\u2019re worried about large expenses after your warranty ends, consider car repair insurance.<\/span><\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-car-repair-insurance-cover\"><span class=\"NormalTextRun SCXW62627410 BCX0\">What Does Car Repair Insurance <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW62627410 BCX0\">Cover?<\/span><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Car repair insurance, also known as mechanical breakdown insurance, pays for repairs if your car has a mechanical or electrical problems. That can include problems with the following:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-contrast=\"none\">Air conditioning<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Fuel systems<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Cooling systems<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Steering components<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Electric systems<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Computer systems<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Transmission<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Engine<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Exhaust<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-contrast=\"none\">In general, car repair insurance doesn\u2019t cover:&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-contrast=\"none\">Routine maintenance and upkeep, such as oil changes, tune-ups, and tire rotations<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Damages related to improper maintenance<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Cosmetic wear and tear<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Damages incurred before you purchased the vehicle<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Rust or corrosion<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Typical wear-and-tear services<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Damage from an accident (that\u2019s covered by your collision, comprehensive, or <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/what-is-liability-car-insurance\/\"><span data-contrast=\"none\">liability insurance<\/span><\/a><span data-contrast=\"none\">)<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-car-repair-insurance-worth-it\"><span class=\"NormalTextRun SCXW259328019 BCX0\">Is Car Repair Insurance Worth <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW259328019 BCX0\">It?<\/span><\/h2>\n\n\n\n<p><span data-contrast=\"none\">There are multiple benefits to car repair insurance, especially for drivers who lack knowledge about repairs and want to leave it up to the pros. In addition, repair insurance gives you peace of mind over hefty expenses and removes the fear of <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/how-to-negotiate-the-best-car-price-with-dealerships\/\"><span data-contrast=\"none\">haggling over costs<\/span><\/a><span data-contrast=\"none\">.&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">However, car repair insurance isn\u2019t a one-size-fits-all policy. There are some questions you should ask yourself before deciding if this policy is right for you, including:&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b><span data-contrast=\"none\">Are you already covered?<\/span><\/b><span data-contrast=\"none\"> If you just purchased your car, your warranty is probably still in effect and will cover most of your repairs. Since car repair insurance covers a lot of similar ground as an extended warranty, you probably don\u2019t need to purchase both.\u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><b><span data-contrast=\"none\">Can you select the repair shop?<\/span><\/b><span data-contrast=\"none\"> Most insurers will allow you to choose your preferred repair shop, but some carriers will only let you visit one of their approved partners.\u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><b><span data-contrast=\"none\">How old is your car?<\/span><\/b><span data-contrast=\"none\"> You might want to consider car repair insurance as your car gets older, or if you <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/should-you-buy-a-used-electric-car\/\"><span data-contrast=\"none\">buy a used car<\/span><\/a><span data-contrast=\"none\"> with a high mileage (if your insurer allows it). However, if your car is brand new, car repair insurance might be unnecessary. Car repair insurance covers issues such as engine, electric, and <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/spend-less-on-gas\/\"><span data-contrast=\"none\">fuel problems<\/span><\/a><span data-contrast=\"none\"> that don\u2019t usually arise until around seven years, or 100,000 miles, into the car\u2019s life.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><b><span data-contrast=\"none\">Does the policy include extra benefits?<\/span><\/b><span data-contrast=\"none\"> Some car repair insurance policies include <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/what-is-roadside-assistance\/\"><span data-contrast=\"none\">roadside assistance<\/span><\/a><span data-contrast=\"none\">, rental reimbursement coverage, and trip reimbursement coverage as added benefits.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><b><span data-contrast=\"none\">Is the coverage transferable?<\/span><\/b><span data-contrast=\"none\"> If you plan on selling your car in the future, some policies let you transfer your coverage to the new owner.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><b><span data-contrast=\"none\">Is your car eligible for car repair insurance?<\/span><\/b><span data-contrast=\"none\"> Some insurers set strict age and mileage guidelines when determining who\u2019s eligible for car repair insurance. You may not be eligible for a policy if you have an old car that\u2019s surpassed the designated mileage limit. If you can secure a policy, you might not be able to renew it as your car ages.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-alternatives-to-car-repair-insurance\"><span class=\"TextRun SCXW1773762 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW1773762 BCX0\">Alternatives to Car Repair Insurance<\/span><\/span><\/h2>\n\n\n\n<p><span data-contrast=\"none\">If you\u2019re unable to secure car repair insurance, you can still ease your anxiety about any upcoming repairs by putting aside money for the future. Set aside an emergency car fund that you only use for unexpected car repairs. You can also purchase an extended warranty from your car\u2019s manufacturer and slowly pay it off by bundling it into your car payments. Learn how to <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/how-to-budget-for-a-car\/\"><span data-contrast=\"none\">create a budget<\/span><\/a><span data-contrast=\"none\"> and stick to it by visiting our blog.&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">If you\u2019re looking for a quality coverage plan for a new or used vehicle, you\u2019ve come to the right place!&nbsp; For over 60 years, The General has offered affordable rates, prime customer service, flexible payment options, and more to our customers. You can get a <\/span><a href=\"https:\/\/www.thegeneral.com\/quote\/\"><span data-contrast=\"none\">free insurance quote<\/span><\/a><span data-contrast=\"none\"> in under two minutes and secure insurance in 12.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Get all the facts about car repair insurance with this guide from The General. Learn if car repair insurance is worth your money and if you need it.<\/p>\n","protected":false},"author":7,"featured_media":2847,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[55,31],"tags":[],"class_list":["post-2846","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-and-driving-basics","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Is Car Repair Insurance? | The General<\/title>\n<meta name=\"description\" content=\"Get all the facts about car repair insurance with this guide from The General. 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